GDP came in hotter than expected, but the bond market recovered. MBS and the 10-year are flat heading into Christmas. Headlines matter less than market reaction. Calm conditions remain. Merry Christmas.

The most accurate jobs data just exposed a major overstatement. Headline job growth looked strong, but the final data shows far fewer jobs were actually created. This matters because rates react to the first report, not the revisions. Watch.

Inflation finally helped mortgage rates today. CPI came in cooler than expected, driven by slowing shelter costs. Rates will not crash overnight, but this improves direction and momentum.

Waiting for lower mortgage rates feels safe, but it’s still a decision. Rates move on inflation expectations and bonds, not just Fed headlines. Clarity beats prediction.

Jobs report matters because it drives Fed decisions. Weaker jobs data means less pressure to keep rates high. Mortgage bonds up ~10 bps as the market reacts. Not instant relief, but an important signal.

Big week for mortgage rates. Jobs data, wages, and unemployment are back after the shutdown, and weaker numbers could help bonds and rates. This is a key week for buyers and homeowners watching the market.

New housing forecasts show over 20% projected home price appreciation over the next 5 years. Waiting for the perfect rate could be more expensive than people realize. Real estate is local, not headlines.

The Fed cut rates 25 bps but the real story is the surprise move to buy short term Treasuries. Bond markets loved it and mortgage rates are reacting. Want your numbers? DM Rate and I’ll send a Rate Watch specific to your loan.

Fed cut rates 0.25 percent today. Powell said the job market is cooling, inflation is about 2.8 percent, and policy is now near neutral. Future cuts will be meeting by meeting. Mortgage rates follow the 10 year, not the Fed, but this helps the direction lower.

Chargers vs Eagles tonight and I am calling the upset. Most people pick the wrong team and the wrong lender. If your rate starts with a high 6, 7 or 8, it may be time to refinance. Message me to check your savings. Go Chargers and Happy Immaculate Conception.

Inflation cooled again in today’s PCE report and shelter finally softened. The market doesn’t know how to react yet. Bonds are moving around but staying in the same range. A weak jobs report plus tame inflation sets up a clean path for a Fed cut. #HousingMarket #InterestRates

ADP report: 32,000 job losses vs 40,000 expected gains. Bad for jobs, great for rates. Ten year dropped and mortgage rates are moving toward lower levels. Fed cut odds now close to 90 percent. Friday’s PCE is the next big mover.

Breaking news for mortgage rates. The ten year treasury just dropped below 4 percent after weak jobs, retail, and GDP data. Odds of a December 10 rate cut now at 85 percent. This could bring some of the best rate levels since late summer. Stay tuned.

Thursday’s jobs report could help mortgage rates if the data comes in weak. Early signs point that way. But watch the Fed minutes on Wednesday. They could move markets before we get to the jobs report. Full breakdown Thursday morning. #mortgage #rates #fed #jobsreport #housing

FHFA is exploring portable mortgages — letting you carry your 2–4 percent rate to your next home. Not great for my business, but great for American families. And those scary foreclosure headlines? The numbers are still extremely low. DM me for your numbers.

The government is officially open again, which means real economic data starts flowing and markets can finally react. Also… it costs $3.69 to mint a penny. So here’s my 2 cents — feel free to Venmo me $7. If you want mortgage updates without the noise, keep following.

10 year fell to 4.06 and MBS jumped 10 bps after the auction. ADP shows job losses the last four weeks which points to a softer upcoming jobs report. That is good news for rates. Watching the House vote on reopening the government. #MortgageBrokerTim #Rates #Housing

VA loans help veterans become homeowners 4+ years sooner than conventional loans. Yet half of veterans don’t know VA loans require 0% down, and VA rates are often up to 1% lower. Realtors: VA is the only loan with 2 appraisal challenges. Strongest offer #VeteransDay #VALoans

Shutdown progress, home appreciation turning positive again, and the FHFA floating a 50 year mortgage. Markets could move fast. What do you think about a 50 year option to lower payments?

Shutdown day 37 and rates finally dipped. Weak job data pushed the 10-year back under 4.10, but volatility is rising as markets watch the Supreme Court and the missing economic reports from the shutdown. Want a strategy for the next rate move? DM “ready.”